Bank arrestment - Walkerlove £600 taken without notice 2011/12 CTAX debt

[Mrs_Urban]

Today I received a letter from my bank to say that Walkerlove have taken nearly £600 from mine and my husbands bankk account for council tax in 2011/12.

 

Earlier in the year I contacted Walker Love to explain we are a low income family and we can not afford the repayments they are wanting.

 

I had forgotten about it because I hadn't heard from them after making one payment of £40.

I m self employed but don't earn any money but my husband works.

 

Anyway we had a joint bank account set up for my daughters DLA and this month we got the DLA through and it was back dated, which is great as it will help my daughter immensely, but Walker Love took nearly £600 out of this.

 

I contacted them saying that they cannot do this because it is my daughter DLA. They said that she should have thought about getting it paid into her own account. I said she is a child but they said tough we can't get the money back.

 

I tried explaining to them that they cannot take money from benefits but they basically told me tough and we are not getting the money back.

 

I have been really upset about this and tomorrow I am going to the C.A.B but I was wondering if anyone on here can offer any other advice please

Edited December 17, 2014 by citizenB
formatting

[AndyOrch]

Thread moved to the appropriate forum.

 

Andy

[mikeymack2002]

Hi welcome to CAG.

 

 

Can you please tell us some more in regards to this enforcement? what type of debt is this?

 

 

You may be classed as a vulnerable household for enforcement purposes, you seem to be north of the border is this so?

 

 

You need to cancel you standing order/DD/card asap

 

 

Also the DLA is an exempt payment for enforcement you need to reclaim the payment and inform the bank not to allow Walkerlove to be allowed to reinstate it

 

 

Have a look at the standards that the EA should be adhering to here http://www.consumeractiongroup.co.uk/forum/showthread.php?421867-Taking-Control-of-Goods-National-Standards-2014

 

 

I have asked someone to drop in on this thread for you

[ploddertom]

As this is for Council Tax in Scotland I'll move you again and also alert a couple of people who may have an idea of how this works as it is a different scenario to what we have south of the border.

[IdaInFife]

Hi Mrs Urban,

 

As it has got this far, there is nothing that can be done.

 

For this to have happened, Walker Love would have sent you a charge for payment and if no response or agreement is reached this then enables them to apply for the power to arrest wages or bank accounts.

 

 

If action had been dealt with at the charge for payment stage, then you could have argued undue hardship and/or applied to try and protect things like DLA and child benefit and negotiated a payment plan that suited you and would be manageable.

 

It's probably not what you want to hear but if you need help with any remaining negotiations for any balance that i left then we can try to help.

[IdaInFife]

Hi welcome to CAG.

 

 

Can you please tell us some more in regards to this enforcement? what type of debt is this?

 

 

You may be classed as a vulnerable household for enforcement purposes, you seem to be north of the border is this so?

 

 

You need to cancel you standing order/DD/card asap

 

 

Also the DLA is an exempt payment for enforcement you need to reclaim the payment and inform the bank not to allow Walkerlove to be allowed to reinstate it

 

 

Have a look at the standards that the EA should be adhering to here http://www.consumeractiongroup.co.uk/forum/showthread.php?421867-Taking-Control-of-Goods-National-Standards-2014

 

 

I have asked someone to drop in on this thread for you

 

This may apply to rest of UK but not in Scotland once a charge for payment has been completed